Corona Kavach Policy,
Max Bupa Health Insurance
Co. Ltd. Terms & Conditions
1. PREAMBLE
This Policy is a contract of insurance issued by Max Bupa Health
Insurance Company Limited (hereinafter called the ‘Company’) to
the proposer mentioned in the schedule (hereinafter called the
‘Insured’) to cover the person(s) named in the schedule (hereinafter
called the ‘Insured Persons’). The policy is based on the statements
and declaration provided in the Proposal Form by the proposer and is
subject to receipt of the requisite premium.
2. OPERATIVE CLAUSE
If during the policy period one or more Insured Person(s) is required
to be hospitalized for treatment of Covid at a Hospital or given Home
Care Treatment following Medical Advice of a duly qualified Medical
Practitioner, the Company shall indemnify medically necessary,
expenses towards the Coverage mentioned in the policy schedule.
Provided further that, any amount payable under the policy shall be
subject to the terms of coverage, exclusions, conditions and definitions
contained herein. Maximum liability of the Company under all such
Claims during the Policy Period shall be the Sum Insured (Individual
or Floater) opted and specified in the Schedule.
3. DEFINITIONS
The terms defined below and at other junctures in the Policy have the
meanings ascribed to them wherever they appear in this Policy and,
where, the context so requires, references to the singular include
references to the plural; references to the male includes the female
and references to any statutory enactment includes subsequent
changes to the same.
3.1 Age means age of the Insured person on last birthday as on date
of commencement of the Policy.
3.2 AYUSH Treatment refers to hospitalisation treatments
given under Ayurveda, Yoga and Naturopathy, Unani, Siddha and
Homeopathy systems.
3.3 An AYUSH Hospital is a healthcare facility wherein medical/
surgical/para-surgical treatment procedures and interventions are
carried out by AYUSH Medical Practitioner(s) comprising of any of
the following :
a. Central or State Government AYUSH Hospital or
b. Teaching hospital attached to AYUSH College recognized by the
Central Government/Central Council of Indian Medicine/Central
Council for Homeopathy; or
c. AYUSH Hospital, standalone or co-located with in-patient
healthcare facility of any recognized system of medicine,
registered with the local authorities, wherever applicable, and
is under the supervision of a qualified registered AYUSH Medical
Practitioner and must comply with all the following criterion:
i. Having at least 5 in-patient beds;
ii. Having qualified AYUSH Medical Practitioner in charge round
the clock;
iii. Having dedicated AYUSH therapy sections as required
and/or has equipped operation theatre where surgical
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
procedures are to be carried out;
iv. Maintaining daily records of the patients and making
them accessible to the insurance company ‘s authorized
representative.
3.4 Cashless Facility means a facility extended by the insurer
to the insured where the payments, of the costs of treatment
undergone by the insured person in accordance with the Policy
terms and conditions, are directly made to the network provider by
the insurer to the extent pre-authorization is approved.
3.5 Condition Precedent means a Policy term or condition
upon which the Company ‘s liability under the Policy is conditional
upon.
3.6 COVID: For the purpose of this Policy, Coronavirus Disease
means COVID-19 as defined by the World Health Organization (WHO)
and caused by the virus SARS-CoV2.
3.7 Day Care Treatment means medical treatment, and/or
surgical procedure which is:
a. undertaken under general or local anesthesia in a hospital/
day care centre in less than twenty four hours because of
technological advancement, and
b. which would have otherwise required a hospitalisation of more
than twenty four hours. Treatment normally taken on an out-
patient basis is not included in the scope of this definition.
3.8 Disclosure to information norm: The policy shall be void and
all premium paid thereon shall be forfeited to the Company in the
event of misrepresentation, mis-description or non-disclosure of any
material fact by the policyholder.
3.9 Emergency Care: Emergency care means management for an
illness or injury which results in symptoms which occur suddenly and
Product Name: Corona Kavach Pol
unexpectedly, and requires immediate care by a medical practitioner
to prevent death or serious long term impairment
Max Bupa ofHealth
the insured
Insurance Co. Lt
person’s health.
Product UIN: xxxxx
3.10 Family means, the Family that consists of the proposer and any
one or more of the family members as mentioned below:
a. Legally wedded spouse.
b. Parents and Parents-in-law.
c. Dependent Children (i.e. natural or legally adopted) between
the day 1 of age to 25 years. If the child above 18 years of age is
financially independent, he or she shall be ineligible for coverage.
3.11 Health care worker for the purpose of this policy shall
mean doctors, nurses, midwives, dental practitioners and other
health professionals including laboratory assistants, pharmacists,
physiotherapists, technicians and people working in hospitals.
3.12 Home Care Treatment means treatment availed by the
Insured Person at home for Covid on positive diagnosis of Covid in a
Government authorized diagnostic Centre, which in normal course
Corona Kavach v1 - July 2020
would require care and treatment at a hospital but is actually taken
at home provided that:
a. The Media practitioner advices the Insured person to undergo
treatment at home.
b. There is a continuous active line of treatment with monitoring of
the health status by a medical practitioner for each day through
the duration of the home care treatment.
c. Daily monitoring chart including records of treatment
administered duly signed by the treating doctor is maintained.
3.13 Hospital means any institution established for in-patient care
and day care treatment of disease/ injuries and which has been
registered as a hospital with the local authorities under the
Clinical Establishments (Registration and Regulation) Act, 2010 or
under the enactments specified under Schedule of Section 56(1) of
the said Act, OR complies with all minimum criteria as under:
a. has qualified nursing staff under its employment round the
clock;
b. has at least ten inpatient beds, in those towns having a
population of less than ten lakhs and fifteen in-patient beds
in all other places;
c. has qualified medical practitioner(s) in charge round the clock;
d. has a fully equipped operation theatre of its own where surgical
procedures are carried out
e. maintains daily records of patients and shall make these accessible
to the Company’s authorized personnel.
For the purpose of this policy any other set up designated by the
Government as hospital for the treatment of Covid shall also be
considered as hospital.
3.14 Hospitalisation means admission in a hospital for a minimum
period of twenty-four (24) consecutive ‘In-patient care’ hours
except for specified procedures/ treatments, where such
admission could be for a period of less than twenty four (24)
consecutive hours.
3.15 In-Patient Care means treatment for which the insured person
has to stay in a hospital for more than 24 hours for a covered event.
3.16 Insured Person means person(s) named in the schedule of the
Policy.
3.17 Intensive Care Unit means an identified section, ward or wing
of a hospital which is under the constant supervision of a dedicated
medical practitioner(s) , and which is specially equipped for the
continuous monitoring and treatment of patients who are in a critical
condition , or require life support facilities and where the level
of care and supervision is considerably more sophisticated and
intensive than in the ordinary and other wards .
3.18 ICU (Intensive Care Unit) Charges means the amount charged
by a Hospital towards ICU expenses on a per day basis which
shall include the expenses for ICU bed, general medical support
services provided to any ICU patient including monitoring devices,
critical care nursing and intensivist charges.
3.19 Medical Advice means any consultation or advice from a
Medical Practitioner including the issue of any prescription or follow
up prescription.
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
3.20 Medical Expenses means those expenses that an insured
person has necessarily and actually incurred for medical treatment
on account of illness or accident on the advice of a medical
practitioner, as long as these are no more than would have been
payable if the insured person had not been insured and no more than
other hospitals or doctors in the same locality would have charged
for the same medical treatment.
3.21 Medical Practitioner means a person who holds a valid
registration from the Medical Council of any state or Medical Council
of India or Council for Indian Medicine or for Homeopathy set up
by the Government of India or a State Government and is thereby
entitled to practice medicine within its jurisdiction; and is acting
within the scope and jurisdiction of the licence.
3.22 Medically Necessary Treatment means any treatment, tests,
medication , or stay in hospital or part of a stay in hospital which
a. is required for the medical management of illness or injury
suffered by the insured ;
b. must not exceed the level of care necessary to provide safe,
adequate and appropriate medical care in scope, duration , or
intensity ;
c. must have been prescribed by a medical practitioner;
d. must conform to the professional standards widely accepted in
international medical practice or by the medical community in
India.
3.23 Network Provider means hospitals en listed by insurer, TPA
or jointly by an insurer and TPA to provide medical services to an
insured by a cashless facility.
3.24 Non- Network Provider means any hospital that is not part of
the network.
3.25 Notification of Claim means the process of intimating a
claim to the Insurer or TPA through any of the recognized modes of
communication.
3.26 Out-Patient (OPD) Treatment means treatment in which the
insured visits a clinic/ hospital or associated facility like a consultation
Product Name: Corona Kavach Pol
room for diagnosis and treatment based on the advice of a medical
practitioner. The insured is not admitted as Max Bupa
a day careHealth Insurance Co. Lt
or in-patient.
Product UIN: xxxxx
3.27 Pre-hospitalisation Medical Expenses means medical expenses
incurred during the period of 15 days preceding the hospitalisation/
home care treatment of the Insured Person, provided that:
a. Such Medical Expenses are incurred for the same condition
for which the Insured Person ‘s Hospitalisation/home care
treatment was required, and
b. The In-patient Hospitalisation/home care treatment claim for
such Hospitalisation/home care treatment is admissible by the
Insurance Company.
3.28 Post-hospitalisation Medical Expenses means medical
expenses incurred during the period of 30 days immediately after
the insured person is discharged from the hospital/completion of
home care treatment provided that:
a. Such Medical Expenses are for the same condition for which
the insured person ‘s hospitalisation was required, and
b. The inpatient hospitalisation/home care treatment claim for
 such hospitalisation/home care treatment is admissible by the
Insurance Company.
3.29 Policy means these Policy wordings, the Policy Schedule and
any applicable endorsements or extensions attaching to or forming
part thereof. The Policy contains details of the extent of cover
available to the Insured person, what is excluded from the cover and
the terms & conditions on which the Policy is issued to the Insured
person.
3.30 Policy period means period of three and half months (3 ½
months), six and half months (6 ½ months), nine and half months
(9 ½ months) as mentioned in the schedule for which the policy is
issued.
3.31 Policy Schedule means the Policy Schedule attached to and
forming part of Policy.
3.32 Qualified Nurse means a person who holds a valid registration
from the Nursing Council of India or the Nursing Council of any state
in India.
3.33 Room Rent means the amount charged by a hospital towards
Room and Boarding expenses and shall include the associated
medical expenses.
3.34 Sub-limit means a cost sharing requirement under a health
insurance policy in which an insurer wouId not be Iiable to pay any
amount in excess of the pre-defined Iimit.
3.35 Sum Insured means the pre-defined limit specified in the
Policy Schedule. Sum Insured represents the maximum, total and
Cumulative liability for any and all claims made under the Policy, in
respect of that Insured Person (on Individual basis) or all Insured
Persons (on Floater basis) during the Policy Year.
3.36 Surgery or Surgical Procedure means manual and/or operative
procedure(s) required for treatment of an illness or injury,
correction of deformities and defects, diagnosis and cure of
diseases, relief of suffering and prolongation of life, performed in a
hospital or day care centre by a medical practitioner.
3.37 Third Party Administrator (TPA) means a Company registered
with the Authority, and engaged by an insurer, for a fee or by
whatever name called and as may be mentioned in the health
services agreement, for providing health services.
3.38 Waiting Period means a period from the inception of this
Policy during which Covid is not covered.
4. BASE COVER
The covers listed below is in-built Policy benefits and shall be available to all
Insured Persons in accordance with the procedures set out in this Policy .
4.1 Covid Hospitalization Cover:
The Company shall indemnify medical expenses incurred for
Hospitalization of the Insured Person during the Policy period for
the treatment of Covid on Positive diagnosis of Covid in a government
authorized diagnostic centre including the expenses incurred on
treatment of any comorbidity along with the treatment for Covid up
to the Sum Insured specified in the policy schedule, for
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
a. Room Rent, Boarding, Nursing Expenses as provided by the
Hospital/ Nursing Home.
b. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU)
expenses.
c. Surgeon, Anesthetist , Medical Practitioner , Consultants,
Specialist Fees whether paid directly to the treating doctor /
surgeon or to the hospital
d. Anesthesia, blood, oxygen, operation theatre charges, surgical
appliances, ventilator charges, medicines and drugs, costs
towards diagnostics, diagnostic imaging modalities, PPE Kit,
gloves, mask and such similar other expenses.
e. Road Ambulance subject to a maximum of Rs. 2000/- per
hospitalization for the Ambulance services offered by a Hospital
or by an Ambulance service provider, provided that the
ambulance is availed only in relation to Covid Hospitalization
for which the Company has accepted a claim under section. This
also includes the cost of the transportation of the Insured Person
from a Hospital to the another Hospital as prescribed by a Medial
Practitioner
Note:
1. Expenses of Hospitalization for a minimum period of 24
consecutive hours only shall be admissible.
4.2 Home Care Treatment Expenses
Home Care Treatment means treatment availed by the Insured
Person at home for Covid on positive diagnosis of Covid in a
Government authorized diagnostic Centre, which in normal course
would require care and treatment at a hospital but is actually taken
at home maximum up to 14 days per incident provided that:
a. The Medical practitioner advices the Insured person to undergo
treatment at home.
b. There is a continuous active line of treatment with monitoring of
the health status by a medical practitioner for each day through
the duration of the home care treatment.
c. Daily monitoring chart including records of treatment
administered duly signed by the treating doctor is maintained.
d. Insured shall be permitted to avail the services as prescribed by
the medical practitioner. Cashless or reimbursement facility shall
be offered under homecare expenses subject to claim settlement
policy disclosed in the website.
Product Name: Corona Kavach Pol
e. In case the insured intends to avail the services of non-network
provider claim shall be subject to reimbursement, a priorInsurance
Max Bupa Health approval Co. Lt
from the Insurer needs to be taken before availing such services.
Product UIN: xxxxx
In this benefit, the following shall be covered if prescribed by the
treating medical practitioner and is related to treatment of COVID,
a. Diagnostic tests undergone at home or at diagnostics centre
b. Medicines prescribed in writing
c. Consultation charges of the medical practitioner
d. Nursing charges related to medical staff
e. Medical procedures limited to parenteral administration of
medicines
f. Cost of Pulse oximeter, Oxygen cylinder and Nebulizer
4.3 AYUSH Treatment
The Company shall indemnify medical expenses incurred for inpatient
care treatment for Covid on Positive diagnosis of COVID test in a
government authorized diagnostic centre including the expenses
incurred on treatment of any comorbidity along with the treatment
for Covid under Ayurveda, Yoga and Naturopathy, Unani, Siddha and
Homeopathy systems of medicines during the Policy Period up to the
Iimit of sum insured as specified in the policy schedule in any AYUSH
Hospital.
Covered expenses shall be as specified under Covid Hospitalization
Expenses (Section 4.1)
4.4 Pre Hospitalization
The company shall indemnify pre-hospitalization/home care treatment
medical expenses incurred, related to an admissible hospitalization/
home care treatment, for a fixed period of 15 days prior to the date
of admissible hospitalization/home care treatment covered under the
policy.
4.5 Post Hospitalisation
The company shall indemnify post-hospitalization/home care
treatment medical expenses incurred, related to an admissible
hospitalization/home care treatment, for a fixed period of 30
days from the date of discharge from the hospital, following an
admissible hospitalization covered under the policy.
4.6 The expenses that are not covered in this policy are placed under
List-I of Annexure-A. The list of expenses that are to be subsumed
into room charges, or procedure charges or costs of treatment are
placed under List-II, List-III and List-IV of Annexure-A respectively.
5. OPTIONAL COVER
The cover listed below is Optional Policy benefit and shall be available
to Insured Persons in accordance with the terms set out in the Policy,
if the listed cover is opted
5.1 Hospital Daily Cash: The Company shall pay the Insured Person
0.5% of sum insured per day for each 24 hours of continuous
hospitalization for which the Company has accepted a claim under
Section- 4.1 Hospitalization Cover.
The benefit shall be payable maximum up to 15 days during a policy
period in respect of every insured person.
The total amount payable in respect to Covers 4.1, 4.2, 4.3, 4.4, 4.5,
5.1, shall not exceed 100% of the Sum Insured during a policy period.
6. WAITING PERIOD
The Company shall not be liable to make any payment under the policy
in connection with or in respect of following expenses till the expiry of
waiting period mentioned below:
6.1 First Fifteen Days Waiting Period
Expenses related to the treatment of Covid within 15 days from the
policy commencement date shall be excluded.
7. EXCLUSIONS
The Company shall not be liable to make any payment under the policy,
in respect of any expenses incurred in connection with or in respect of:
7.1 Investigation & Evaluation (Code- Excl04)
Expenses related to any admission primarily for diagnostics and
evaluation purposes. Any diagnostic expenses which are not related
or not incidental to the current diagnosis and treatment.
7.2 Rest Cure, rehabilitation and respite care (Code- Excl05)
Expenses related to any admission primarily for enforced bed
rest and not for receiving treatment. This also includes:
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
a. Custodial care either at home or in a nursing facility for personal
care such as help with activities of daily living such as bathing,
dressing, moving around either by skilled nurses or assistant or
non-skilled persons.
b. Any services for people who are terminally ill to address physical,
social, emotional and spiritual needs
7.3 Dietary supplements and substances that can be purchased
without prescription, including but not limited to Vitamins,
minerals and organic substances unless prescribed by a medical
practitioner as part of hospitalization claim or Home care treatment.
7.4 Unproven Treatments
Expenses related to any unproven treatment, services and supplies
for or in connection with any treatment. Unproven treatments are
treatments, procedures or supplies that lack significant medical
documentation to support their effectiveness. However, treatment
authorized by the government for the treatment of COVID shall be
covered.
7.5 Any claim in relation to Covid where it has been diagnosed prior
to Policy Start Date.
7.6 Any expenses incurred on Day Care treatment and OPD
treatment
7.7 Diagnosis/Treatment outside the geographical limits of India.
7.8 Testing done at a Diagnostic centre which is not authorized by
the Government shall not be recognized under this Policy
7.9 All covers under this Policy shall cease if the Insured Person
travels to any country placed under travel restrictions by the
Government of India.
8. CLAIM PROCEDURE
8.1 Procedure for Cashless claims:
i. Treatment may be taken in a network provider and is subject to
pre authorization by the Company or its authorized TPA.
ii. Cashless request form available with theName:
Product network provider
Corona Kavach Pol
and TPA shall be completed and sent to the Company/TPA for
authorization. Max Bupa Health Insurance Co. Lt
iii. The Company/ TPA upon getting cashless request form and related
Product UIN: xxxxx
medical information from the insured person/ network provider
will issue pre-authorization letter to the hospital after verification.
iv. At the time of discharge, the insured person has to verify and
sign the discharge papers, pay for non-medical and inadmissible
expenses.
v. The Company / TPA reserves the right to deny pre-authorization in
case the insured person is unable to provide the relevant medical
details.
vi. In case of denial of cashless access, the insured person may obtain
the treatment as per treating doctor’s advice and submit the claim
documents to the Company / TPA for reimbursement.
8.2 Procedure for reimbursement of claims:
For reimbursement of claims the insured person may submit the
necessary documents to TPA (if applicable)/ Company within the
prescribed time limit as specified hereunder.
 S. No. Type of claim Prescribed Time Limit
1 Reimbursement of hospitalization, and pre-hospitalization expenses Within thirty days of date of discharge from
Hospital
2 Reimbursement of post hospitalization expenses Within fifteen days from completion of
post hospitalization treatment
3 Reimbursement of Home Care Treatment Within thirty days from completion of home care treatment

8.3 Notification of Claim b. At least 48 hours prior to admission in Hospital in case of a

Notice with full particulars shall be sent to the Company/ TPA (if planned Hospitalization.
applicable) as under:
a. Within 24hours from the date of emergency hospitalization/ 8.4 Documents to be submitted:
cashless home care treatment The claim is to be supported with the following documents and
submitted within the prescribed time limit.

Benefits Claim Documents Required

1. Covid Hospitalization Cover
2. Home Care Treatment expenses
i. Duly filed and signed claim form
ii. Copy of Insured Person’s passport, if available (All Pages)
iii. Photo Identity proof of the patient (if Insured does not own a
passport)
iv. Medical practitioner’s prescription advising admission
v. Original bills with itemized break-up
vi. Payment receipts
vii. Discharge summary including complete medical history
of the patient along with other details.
viii. Investigation reports including Insured person’s test reports from Authorized
diagnostic centre for COVID.
ix. OT notes or Surgeon’s certificate giving details of the operation
performed, wherever applicable
x. Sticker/ Invoice of the Implants, wherever applicable.
xi. NEFT Details (to enable direct credit of claim amount in bank
account) and cancelled cheque
xii. KYC (Identity proof with Address) of the proposer, where claim liability is above Rs.1
Lakh as per AML Guidelines.
xiii. Legal heir/succession certificate, wherever applicable.
xiv. Any other relevant document required by Company/ TPA for
assessment of the claim. Product Name: Corona Kavach Pol
i. Duly filed and signed claim form
Max Bupa Health Insurance Co. Lt
ii. Copy of Insured Person’s passport, if available (All Pages)
iii. Photo Identity proof of the patient (if Insured does not own a Product UIN: xxxxx
passport)
iv. Medical practitioner’s prescription advising hospitalization
v. A certificate from medical practitioner advising treatment at home or consent from
the Insured person on availing home care benefit.
vi. Discharge Certificate from medical practitioner specifying date of start
and completion of home care treatment.
vii. Daily monitoring chart including records of treatment administered
duly signed by the treating doctor is maintained.

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
Note:
1. The company shall only accept bills/invoices/medical treatment
related documents only in the Insured Person’s name for whom
the claim is submitted.
2. In the event of a claim lodged under the Policy and the original
documents having been submitted to any other insurer, the
Company shall accept the copy of the documents and claim
settlement advice, duly certified by the other insurer subject to
satisfaction of the Company.
3. Any delay in notification or submission may be condoned on
merit where delay is proved to be for reasons beyond the control
of the Insured Person.
8.5 Claim Settlement (provision for Penal Interest)
a. The Company shall settle or reject a claim, as the case may
be, within 30 days from the date of receipt of last necessary
document.
b. In the case of delay in the payment of a claim, the Company shall
be liable to pay interest from the date of receipt of last necessary
document to the date of payment of claim at a rate 2% above the
bank rate.
c. However, where the circumstances of a claim warrant an
investigation in the opinion of the Company, it shall initiate and
complete such investigation at the earliest in any case not later
than 30 days from the date of receipt of last necessary document.
In such cases, the Company shall settle the claim within 45 days
from the date of receipt of last necessary document.
d. In case of delay beyond stipulated 45 days the company shall
be liable to pay interest at a rate 2% above the bank rate from
the date of receipt of last necessary document to the date of
payment of claim.
8.6 Services Offered by TPA
Servicing of claims, i.e., claim admissions and assessments, under this
Policy by way of pre-authorization of cashless treatment or processing
of claims other than cashless claims or both, as per the underlying
terms and conditions of the policy.
The services offered by a TPA shall not include
a. Claim settlement and claim rejection,
b. Any services directly to any insured person or to any other
person unless such services is in accordance with the terms and
conditions of the Agreement entered into with the Company
8.7 Payment of Claim
All claims under the policy shall be paid in Indian currency only.
9. GENERAL TERMS AND CONDITIONS
9.1 Disclosure of Information
The policy shall be void and all premium paid thereon shall be forfeited
to the Company in the event of misrepresentation, mis description or
non-disclosure of any material fact by the policyholder.
9.2 Condition Precedent to Admission of Liability
The terms and conditions of the policy must be fulfilled by the insured
person for the Company to make any payment for claim(s) arising
under the policy.
9.3 Records to be Maintained
The Insured person shall keep an accurate record containing all relevant
medical records and shall allow the Company or its representatives to
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
inspect such records. The Policyholder or Insured Person shall furnish
such information as the Company may require for settlement of any
claim under the Policy, within reasonable time limit and within the
time limit specified in the Policy.
9.4 Complete Discharge
Any payment to the policyholder, insured person or his/ her nominees
or his/ her legal representative or assignee or to the Hospital, as the
case may be, for any benefit under the policy shall be a valid discharge
towards payment of claim by the Company to the extent of that
amount for the particular claim.
9.5 Notice and Communication
a. Any notice, direction, instruction or any other communication
related to the Policy should be made in writing.
b. Such communication shall be sent to the address of the Company
or through any other electronic modes specified in the Policy
Schedule.
c. The Company shall communicate to the Insured at the address or
through any other electronic mode mentioned in the schedule.
9.6 Territorial Limit
All medical treatment for the purpose of this insurance will have to be
taken in India only.
9.7 Multiple Policies
a. ln case of multiple policies taken by an insured person during a
period from one or more insurers to indemnify treatment costs,
the policyholder shall have the right to require a settlement of
his/her claim in terms of any of his/her policies. ln all such cases
the insurer chosen by the policyholder shall be obliged to settle
the claim as long as the claim is within the limits of and according
to the terms of the chosen policy.
b. Policy Holder having multiple policies shall also have the right
to prefer claims under this policy for the amounts disallowed
under any other policy / policies even if the sum insured is not
exhausted. Then the insurer (s) shall independently settle the
claim subject to the terms and conditions of this policy.
c. lf the amount to be claimed exceeds the sum insured under a
single policy, the policyholder shall have the right to choose
insurer from whom he/she wants to claim the balance amount.
Product Name: Corona Kavach Pol
d. Where an insured person has policies from more than one insurer
to cover the same risk on indemnity Maxbasis,Bupa
the policyholder shall Co. Lt
Health Insurance
only be indemnified the hospitalization costs in accordance with
the terms and conditions of the chosen policy.Product UIN: xxxxx
9.8 Fraud
lf any claim made by the insured person, is in any respect fraudulent,
or if any false statement, or declaration is made or used in support
thereof, or if any fraudulent means or devices are used by the insured
person or anyone acting on his/her behalf to obtain any benefit under
this policy, all benefits under this policy shall be forfeited.
Any amount already paid against claims made under this policy but
which are found fraudulent later under this policy shall be repaid by all
recipient(s)/policyholder(s), who has made that particular claim, who
shall be jointly and severally liable for such repayment.
For the purpose of this clause, the expression “fraud” means any of
the following acts committed by the insured person or by his agent or
the hospital/doctor/any other party, with intent to deceive the insurer
or to induce the insurer to issue an insurance policy:
a. the suggestion, as a fact of that which is not true and which the
insured person does not believe to be true;
b. the active concealment of a fact by the insured person having
knowledge or belief of the fact;
c. any other act fitted to deceive;
d. any such act or omission as the law specially declares to be
fraudulent
The Company shall not repudiate the policy on the ground of Fraud, if
the insured person / beneficiary can prove that the misstatement was
true to the best of his knowledge and there was no deliberate intention
to suppress the fact or that such misstatement of or suppression of
material fact are within the knowledge of the insurer.
9.9 Cancellation
The Company may cancel the policy at any time on grounds of mis-
representation, non-disclosure of material facts, fraud by the insured
person, by giving 7 days’ written notice. There would be no refund
of premium on cancellation on grounds of misrepresentation, non-
disclosure of material facts or fraud
9.10 Automatic change in Coverage under the policy
The coverage for the Insured person(s) shall automatically terminate:
In the case of demise. However the cover shall continue for the
remaining Insured Persons till the end of the Policy Period. All relevant
particulars in respect of such person (including his/her relationship with
the insured person) must be submitted to the company along with the
application. Provided no claim has been made, and termination takes
place on account of death of the insured person, pro-rata refund of
premium of the deceased insured person for the balance period of the
policy will be effective.
9.11 Territorial Jurisdiction
All disputes or differences under or in relation to the interpretation
of terms, conditions, validity, construct, limitations and/or exclusions
contained in the Policy shall be determined by the Indian Court and
according to Indian law.
9.12 Arbitration
a. If any dispute or difference shall arise as to the quantum to be
paid by the Policy, (liability being otherwise admitted) such
difference shall independently of all other questions, be referred
to the decision of a sole arbitrator to be appointed in writing by
the parties here to or if they cannot agree upon a single arbitrator
within thirty days of any party invoking arbitration, the same
shall be referred to a panel of three arbitrators, comprising two
arbitrators, one to be appointed by each of the parties to the
dispute/difference and the third arbitrator to be appointed by
such two arbitrators and arbitration shall be conducted under
and in accordance with the provisions of the Arbitration and
Conciliation Act 1996, as amended by Arbitration and Conciliation
(Amendment) Act, 2015 (No. 3 of 2016).
b. It is clearly agreed and understood that no difference or dispute
shall be preferable to arbitration as herein before provided, if
the Company has disputed or not accepted liability under or in
respect of the Policy.
c. It is hereby expressly stipulated and declared that it shall be a
condition precedent to any right of action or suit upon the policy
that award by such arbitrator/ arbitrators of the amount of
expenses shall be first obtained.
Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
9.13 Endorsements (Changes in Policy)
a. This policy constitutes the complete contract of insurance. This
Policy cannot be modified by anyone (including an insurance
agent or broker) except the company. Any change made by the
company shall be evidenced by a written endorsement signed and
stamped.
b. The policyholder may be changed during the Policy Period only in
case of his/her demise or him/her moving out of India. The new
policyholder must be the legal heir/ immediate family member.
Such change would be subject to acceptance by the company and
payment of premium (if any).
9.14 Terms and conditions of the Policy
The terms and conditions contained herein and in the Policy Schedule
shall be deemed to form part of the Policy and shall be read together
as one document.
9.15 Nomination:
The policyholder is required at the inception of the policy to make a
nomination for the purpose of payment of claims under the policy in
the event of death of the policyholder. Any change of nomination shall
be communicated to the company in writing and such change shall
be effective only when an endorsement on the policy is made. ln the
event of death of the policyholder, the Company will pay the nominee
{as named in the Policy Schedule/Policy Certificate/Endorsement (if
any)} and in case there is no subsisting nominee, to the legal heirs
or legal representatives of the policyholder whose discharge shall be
treated as full and final discharge of its liability under the policy
10. REDRESSAL OF GRIEVANCE
ln case of any grievance the insured person may contact the company
through
Website: www.maxbupa.com
Toll free: 1860-500-8888
E-mail: customercare@maxbupa.com (Senior citizens may write to us
at: seniorcitizensupport@maxbupa.com)
Fax : 011-3090-2010
Courier: Customer Services Department
Max Bupa Health Insurance Company Limited
B-1/I-2, Mohan Cooperative Industrial Estate
Mathura Road, New Delhi-110044
lnsured person may also approach the grievance cell at any of the
company’s branches with the details of grievance
lf lnsured person is not satisfied with the redressal of grievance through
one of the above methods, insured person may contact the grievance
officer at
Head – Customer Services
Max Bupa Health Insurance Company Limited
B-1/I-2, Mohan Cooperative Industrial Estate
Mathura Road, New Delhi-110044
Customer Helpline No: 1860-500-8888
Fax No.: 011-3090-2010
Email ID: customercare@maxbupa.com
For updated details of grievance officer, kindly refer https://www.
maxbupa.com/customer-care/health-services/grievance-redressal.aspx
If the Insured person is not satisfied with the above, they can escalate
to GRO@maxbupa.com.
Grievance may also be lodged at IRDAI lntegrated Grievance
Management System - https://igms. irda.gov. in/
Insurance Ombudsman: lf lnsured person is not satisfied with the area/region for redressal of grievance. The contact details of the
redressal of grievance through above methods, the insured person may Insurance Ombudsman offices have been provided as Annexure-B.
also approach the office of lnsurance Ombudsman of the respective

11. TABLE OF BENEFITS

Name Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd.
Product Type Individual/Floater
Category of Benefit Indemnity/Benefit
Sum Insured Rs. 50,000/- (Fifty Thousand) to 5,00,000 (Five Lakh) (in the multiples of fifty thousand)
On Individual basis- SI shall apply to each individual family member
On Floater basis- SI shall apply to the entire family.
Policy Period Three and half months (3 ½ months), Six and half months (6 ½ months), Nine and half months (9 ½ months)
including waiting periods
Eligibility Policy can be availed by persons between the age of 18 Years up to 65 Years, as Proposer. Proposer with
higher age can obtain policy for family, without covering self.

Policy can be availed for Self and the following family members
1. Legally wedded spouse
2. Parents & Parents-in-law
3. Dependent Children (i.e natural or legally adopted) between the day 1 of age to 25 years. If the child
above 18 years of age is financially independent, he or she shall be ineligible.

Hospitalization Expenses Medical Expenses of Hospitalization for Covid for a minimum period of 24 consecutive hours shall be
admissible.
Pre-Hospitalization For 15 days prior to the date of hospitalization/home care treatment
Post Hospitalization 30 days from the date of discharge from the hospital/completion of home care treatment
Sub-limits Hospital Daily Cash: 0.5% of Sum Insured per day subject to maximum of 15 days in a policy period for every
insured member.

Home Care Treatment: Maximum up to 14 days per incident

AYUSH Medical Expenses incurred for inpatient care treatment for Covid under Ayurveda, Yoga and Naturopathy,
Unani, Siddha and Homeopathy systems of medicines shall be covered up to sum insured during the Policy
period as specified in the policy schedule.
Home Care Treatment Expenses The Company shall indemnify costs of treatment incurred by the Insured person for availing treatment at
home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Centre
Product maximum
Name: Corona upKavach Pol
to 14 days per incident, which in the normal course would require care and treatment at a hospital but is
actually taken while confined at home subject to policy terms and conditions Max Bupa Health Insurance Co. Lt
Product UIN: xxxxx

Max Bupa Health Insurance Company Limited

Disclaimer: Insurance is the subject matter of solicitation | Max Bupa Health Insurance Co. Ltd.. IRDAI Reg. No. 145. ‘Max’, Max Logo, ‘Bupa’, ‘HEARTBEAT’ logo
are registered trademarks of their respective owners and are being used by Max Bupa Health Insurance Company Limited under license. Registered Office:
B-1/I-2, Mohan Cooperative Industrial Estate, Mathura Road, New Delhi – 110044, CIN NO. U66000DL2008PLC182918, Product Name: Corona Kavach Policy,
Max Bupa Health Insurance Co. Ltd., Product UIN: MAXHLIP21072V012021, Website: www.maxbupa.com. Fax: + 91 11 30902010. Customer Helpline No.: 1860-500-8888.
Please read the sales brochure carefully before concluding a sale.

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
 ANNEXURE A
List I- Items for which coverage is not available in the policy

S.No Item S.No Item

1 BABY FOOD 38 THERMOMETER
2 BABY UTILITIES CHARGES 39 CERVICAL COLLAR
3 BEAUTY SERVICES 40 SPLINT
4 BELTS/ BRACES 41 DIABETIC FOOT WEAR
5 BUDS 42 KNEE BRACES (LONG/ SHORT/ HINGED)
6 COLD PACK/HOT PACK 43 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER
7 CARRY BAGS 44 LUMBO SACRAL BELT
8 EMAIL / INTERNET CHARGES 45 NIMBUS BED OR WATER OR AIR BED CHARGES
9 FOOD CHARGES (OTHER THAN PATIENT's DIET 46 AMBULANCE COLLAR
PROVIDED BY HOSPITAL)
47 AMBULANCE EQUIPMENT
10 LEGGINGS
48 ABDOMINAL BINDER
11 LAUNDRY CHARGES
49 PRIVATE NURSES CHARGES- SPECIAL NURSING CHARGES
12 MINERAL WATER
50 SUGAR FREE Tablets
13 SANITARY PAD
51 CREAMS POWDERS LOTIONS (Toiletries are not payable,
14 TELEPHONE CHARGES only prescribed medical pharmaceuticals payable)
15 GUEST SERVICES 52 ECG ELECTRODES
16 CREPE BANDAGE 53 ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT,
17 DIAPER OF ANY TYPE ORTHOKIT, RECOVERY KIT, ETC]
18 EYELET COLLAR 54 KIDNEY TRAY
19 SLINGS 55 OUNCE GLASS
20 BLOOD GROUPING AND CROSS MATCHING OF DONORS 56 PELVIC TRACTION BELT
SAMPLES 57 PAN CAN
21 SERVICE CHARGES WHERE NURSING CHARGE ALSO 58 TROLLY COVER
CHARGED
59 UROMETER, URINE JUG
22 TELEVISION CHARGES
23 SURCHARGES Product Name: Corona Kavach Pol
24 ATTENDANT CHARGES Max Bupa Health Insurance Co. Lt
25 EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH
Product UIN: xxxxx
FORMS PART OF BED CHARGE)
26 BIRTH CERTIFICATE
27 CERTIFICATE CHARGES
28 COURIER CHARGES
29 CONVEYANCE CHARGES
30 MEDICAL CERTIFICATE
31 MEDICAL RECORDS
32 PHOTOCOPIES CHARGES
33 MORTUARY CHARGES
34 WALKING AIDS CHARGES
35 SPIROMETRE
36 STEAM INHALER
37 ARMSLING

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
List II- Items that are to be subsumed into Room Charges List III- Items that are to be subsumed into Procedure
Charges
S.No Item S.No Item
1 BABY CHARGES (UNLESS SPECIFIED/INDICATED) 1 HAIR REMOVAL CREAM
2 HAND WASH 2 DISPOSABLES RAZORS CHARGES (for site preparations)
3 CRADLE CHARGES 3 EYE PAD
4 COMB 4 EYE SHEILD
5 EAU-DE-COLOGNE / ROOM FRESHNERS 5 CAMERA COVER
6 GOWN 6 DVD, CD CHARGES
7 SLIPPERS 7 GAUSE SOFT
8 TISSUE PAPER 8 GAUZE
9 TOOTH PASTE 9 WARD AND THEATRE BOOKING CHARGES
10 TOOTH BRUSH 10 ARTHROSCOPY AND ENDOSCOPY INSTRUMENTS
11 BED PAN 11 MICROSCOPE COVER
12 FLEXI MASK 12 SURGICAL BLADES, HARMONICSCALPEL,SHAVER
13 HAND HOLDER 13 SURGICAL DRILL
14 SPUTUM CUP 14 EYE KIT
15 DISINFECTANT LOTIONS 15 EYE DRAPE
16 LUXURY TAX 16 X-RAY FILM
17 HVAC 17 BOYLES APPARATUS CHARGES
18 HOUSE KEEPING CHARGES 18 COTTON
19 AIR CONDITIONER CHARGES 19 COTTON BANDAGE
20 IM IV INJECTION CHARGES 20 SURGICAL TAPE
21 CLEAN SHEET 21 APRON
22 BLANKET/WARMER BLANKET 22 TORNIQUET
23 ADMISSION KIT 23 ORTHOBUNDLE, GYNAEC BUNDLE
24 DIABETIC CHART CHARGES
25 DOCUMENTATION CHARGES / ADMINISTRATIVE
Product Name: Corona Kavach Pol
EXPENSES
26 DISCHARGE PROCEDURE CHARGES Max Bupa Health Insurance Co. Lt
27 DAILY CHART CHARGES Product UIN: xxxxx
28 ENTRANCE PASS / VISITORS PASS CHARGES
29 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE
30 FILE OPENING CHARGES
31 INCIDENTAL EXPENSES / MISC. CHARGES (NOT
EXPLAINED)
32 PATIENT IDENTIFICATION BAND / NAME TAG
33 PULSEOXYMETER CHARGES

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
List IV- Items that are to be subsumed into costs of treatment

S.No Item
1 ADMISSION/REGISTRATION CHARGES
2 HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC
PURPOSE
3 URINE CONTAINER
4 BLOOD RESERVATION CHARGES AND ANTE NATAL
BOOKING CHARGES
5 BIPAP MACHINE
6 CPAP/ CAPD EQUIPMENTS
7 INFUSION PUMP– COST
8 HYDROGEN PEROXIDE\SPIRIT\ DISINFECTANTS ETC
9 NUTRITION PLANNING CHARGES - DIETICIAN CHARGES-
DIET CHARGES
10 HIV KIT
11 ANTISEPTIC MOUTHWASH
12 LOZENGES
13 MOUTH PAINT
14 VACCINATION CHARGES
15 ALCOHOL SWABES
16 SCRUB SOLUTION/STERILLIUM
17 GLUCOMETER & STRIPS
18 URINE BAG

Product Name: Corona Kavach Pol

Max Bupa Health Insurance Co. Lt
Product UIN: xxxxx

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
 ANNEXURE-B
Contact details of the Insurance Ombudsman Offices are as below
Office of the Name of the Contact Details Areas of Jurisdiction
Ombudsman Ombudsman
AHMEDABAD Shri. Kuldip Singh Office of the Insurance Ombudsman, Gujarat, UT of Dadra & Nagar Haveli, Daman and
Jeevan Prakash Building, 6th floor, Diu.
Tilak Marg, Relief Road,
Ahmedabad – 380 001.
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@ecoi.co.in
BENGALURU Smt. Neerja Shah Office of the Insurance Ombudsman, Karnataka
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
JP Nagar, 1st Phase,
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@ecoi.co.in
BHOPAL Shri Guru Saran Office of the Insurance Ombudsman, Madhya Pradesh & Chhattisgarh
Shrivastava Janak Vihar Complex,
2nd Floor, 6, Malviya Nagar,
Opp. Airtel Office, Near New Market,
Bhopal-462 003.
Tel.:- 0755-2769201/2769202
Fax : 0755-2769203
Email: bimalokpal.bhopal@ecoi.co.in
BHUBANESHWAR Shri Suresh Office of the Insurance Ombudsman, Orissa
Chandra Panda 62, Forest park
Bhubneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@ecoi.co.in
CHANDIGARH Dr. Dinesh Kumar Office of the Insurance Ombudsman, Punjab , Haryana, Himachal Pradesh, Jammu &
Verma S.C.O. No. 101, 102 & 103, 2nd Floor, Kashmir , UT of Chandigarh
Batra Building, Sector 17 – D,
Chandigarh – 160 017.
Tel.: 0172 - 2706196 / 2706468 Product Name: Corona Kavach Pol
Fax: 0172 - 2708274
Max Bupa Health Insurance Co. Lt
Email: bimalokpal.chandigarh@ecoi.co.in
Product UIN: xxxxx
CHENNAI Shri M. Vasantha Office of the Insurance Ombudsman, Tamil Nadu, UT-Pondicherry Town and Karaikal
Krishna Fatima Akhtar Court, 4th Floor, 453, (which are part of UT of Pondicherry)
Anna Salai, Teynampet,
CHENNAI – 600 018.
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal.chennai@ecoi.co.in
DELHI Shri Sudhir Krishna Office of the Insurance Ombudsman, Delhi
2/2 A, Universal Insurance Building,
Asaf Ali Road,
New Delhi – 110 002.
Tel.: 011 - 23232481 / 23213504
Email: bimalokpal.delhi@ecoi.co.in

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
 Office of the Name of the Contact Details Areas of Jurisdiction
Ombudsman Ombudsman
GUWAHATI Shri Kiriti .B. Saha Office of the Insurance Ombudsman, Assam , Meghalaya, Manipur, Mizoram,
Jeevan Nivesh, 5th Floor, Arunachal Pradesh, Nagaland and Tripura
Nr. Panbazar over bridge, S.S. Road,
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2632204 / 2602205
Fax: 0361 - 2732937
Email: bimalokpal.guwahati@ecoi.co.in
HYDERABAD Shri I. Suresh Babu Office of the Insurance Ombudsman, Andhra Pradesh, Telangana, UT of Yanam and
6-2-46, 1st floor, “Moin Court”, part of UT of Pondicherry
Lane Opp. Saleem Function Palace,
A. C. Guards, Lakdi-Ka-Pool,
Hyderabad - 500 004.
Tel.: 040 - 67504123 / 23312122
Fax: 040 - 23376599
Email: bimalokpal.hyderabad@ecoi.co.in
JAIPUR Smt. Sandhya Office of the Insurance Ombudsman, Rajasthan
Baliga Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg,
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: bimalokpal.jaipur@ecoi.co.in
ERNAKULAM Ms. Poonam Bodra Office of the Insurance Ombudsman, Kerala, UT of (a) Lakshadweep, (b) Mahe- a part
2nd Floor, Pulinat Bldg., of UT of Pondicherry.
Opp. Cochin Shipyard, M. G. Road,
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal.ernakulam@ecoi.co.in
KOLKATA Shri. P.K.Rath Office of the Insurance Ombudsman, West Bengal, Sikkim, UT of Andaman & Nicobar
Hindustan Bldg. Annexe, 4th Floor, Islands
4, C.R. Avenue,
KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal.kolkata@ecoi.co.in Product Name: Corona Kavach Pol
LUCKNOW Shri Justice Anil Office of the Insurance Ombudsman, Districts of Uttar Pradesh:
Max Bupa Health Insurance Co. Lt
Kumar Srivastava 6th Floor, Jeevan Bhawan, Phase-II, Laitpur, Jhansi, Mahoba, Hamirpur, Banda,
Product UIN: xxxxx
Nawal Kishore Road, Hazratganj, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra,
Lucknow - 226 001. Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur,
Tel.: 0522 - 2231330 / 2231331 Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
Fax: 0522 - 2231310 Lakhimpur, Bahraich, Barabanki, Raebareli,
Email: bimalokpal.lucknow@ecoi.co.in Sravasti, Gonda, Faizabad, Amethi, Kaushambi,
Balrampur, Basti, Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar, Azamgarh,
Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur,
Chandauli, Ballia, Sidharathnagar.
MUMBAI Shri Milind A. Office of the Insurance Ombudsman, Goa, Mumbai metropolitan region excluding Navi
Kharat 3rd Floor, Jeevan Seva Annexe, Mumbai & Thane
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: bimalokpal.mumbai@ecoi.co.in

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021
 Office of the Name of the Contact Details Areas of Jurisdiction
Ombudsman Ombudsman
NOIDA Shri Chandra Office of the Insurance Ombudsman, State of Uttaranchal and the following Districts of
Shekhar Prasad Bhagwan Sahai Palace Uttar Pradesh:
4th Floor, Main Road, Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun,
Naya Bans, Sector 15 Bulandshehar, Etah, Kanooj, Mainpuri, Mathura,
Distt: Gautam Budh Nagar, Meerut, Moradabad, Muzaffarnagar, Oraiyya,
UP – 201301 Pilibhit, Etawah, Farrukhabad, Firozbad,
Tel: 0120-2514250/2514252/2514253 Gautambodhanagar, Ghaziabad, Hardoi,
Email: bimalokpal.noida@ecoi.co.in Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras, Kanshiramnagar,
Saharanpur.
PATNA Shri N.K.Singh Office of the Insurance Ombudsman, Bihar,
1st Floor, Kalpana Arcade Building, Jharkhand.
Bazar Samiti Road,
Bahadurpur,
Patna 800006
Tel: 0612-2680952
Email: bimalokpal.patna@ecoi.co.in
PUNE Shri Vinay Sah Office of the Insurance Ombudsman, Maharashtra,
Jeevan Darshan Bldg., 3rd Floor, Area of Navi Mumbai and Thane
C.T.S. No.s. 195 to 198, excluding Mumbai Metropolitan Region.
N.C. Kelkar Road, Narayan Peth,
Pune – 411 030.
Tel.: 020-41312555
Email: bimalokpal.pune@ecoi.co.in

Product Name: Corona Kavach Policy, Max Bupa Health Insurance Co. Ltd. | Product UIN: MAXHLIP21072V012021